Safe Harbor Calculator

Figure out how much you need to pay the IRS for 2025 federal taxes to avoid an underpayment penalty.

This calculator has been prepared for informational purposes only, and is not intended to provide, and should not be relied on, for tax, legal, or accounting advice. It's best to consult with a CPA or tax professional for advice specific to your business.

Safe Harbor Calculator | Heard
For federal taxes only
Your information
$
Please enter your prior-year AGI.
$
Please enter your prior-year total tax.
$
Please enter an amount (enter 0 if none).
$
Please enter an amount (enter 0 if none).
Still needed to meet safe harbor
$0
How we got there
Prior-year tax (Line 24) —
Safe harbor threshold —
W-2 withholding —
Quarterly estimates paid —
Remaining to meet safe harbor —
One other option: You can also meet safe harbor by paying 90% of this year's actual tax — but that requires a close estimate of what you'll owe. If you're not sure, sticking with the prior-year threshold is the safer bet.
Next step: submit your payment

If you have a balance due, this applies to your individual income taxes and is a personal expense. We recommend paying from a personal bank account or card.

Federal taxes

How to pay federal taxes

State taxes

This calculator covers federal taxes only. State rules vary — most states use the safe harbor method for estimated taxes, but not all do. Some states don't require estimated payments at all, while others require you to pay 100% of what you owe. Check your state's website for guidance on your specific situation.

How to pay income tax in every state

Heard is the only financial management software built for therapists and wellness practitioners that enables you to manage your bookkeeping, taxes, and payroll-all in one place.

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Get our Tax Deduction Cheatsheet for Therapists

Use this cheatsheet to maximize your deductions and save money on taxes for your therapy practice.

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